CSL Finance Ltd - Stock Valuation and Financial Performance

BSE: 530067 | NSE: CSLFINANCE | Finance - NBFC | Small Cap

CSL Finance Share Price

413.40 5.35 1.31%
as on 11-Oct'24 16:01

DeciZen - make an informed investing decision on CSL Finance

Overall Rating
Bole Toh

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

CSL Finance stock performance -

mw4me loader
P/E Ratio (SA):
13.67
Market Cap:
938 Cr.
52-wk low:
310
52-wk high:
545

Is CSL Finance Ltd an attractive stock to invest in?

1. Is CSL Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that CSL Finance Ltd is a below average quality company.

2. Is CSL Finance Ltd undervalued or overvalued?

The key valuation ratios of CSL Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is CSL Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of CSL Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of CSL Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
CSL Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)93.144.440.441.459.560.961.774.6117166179
YoY Gr. Rt. %--52.3%-8.9%2.3%43.9%2.3%1.3%21%57.1%41.3%-
Adj EPS (₹ ) 5.79.311.710.213.612.31516.522.628.230.1
YoY Gr. Rt. %-63.4%25.7%-12.7%33.1%-9.6%21.8%10.5%36.4%25.2%-
BVPS (₹ )60.77081.3102.5115.7126.7140.5157.9177.9211.3216.3
YoY Gr. Rt. %-15.3%16.1%26%12.9%9.5%11%12.4%12.7%18.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)9.21312.78.386.78.17.677.20

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income6.6%22.7%39%41.3%
Adj EPS19.5%15.8%23.6%25.2%
BVPS14.9%12.8%14.6%18.8%
Share Price 38.2% 38.7% 34.4% 17.5%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)8.629.440.643.742.336.944.644.838.938.338.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)9.814.215.512.212.710.111.211.613.415.213.9

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 14.10%

Total Income has increased 39.01 CAGR in last 3 years

Net Profit has increased 23.59 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - CSL Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 30.1 -
TTM Sales (₹ Cr.) 179 -
BVPS (₹.) 216.3 -
Reserves (₹ Cr.) 470 -
P/BV 1.90 -
PE 13.67 -
From the Market
52 Week Low / High (₹) 310.00 / 545.00
All Time Low / High (₹) 1.75 / 545.00
Market Cap (₹ Cr.) 938
Equity (₹ Cr.) 22.8
Face Value (₹) 10
Industry PE 32.2

Management X-Ray of CSL Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of CSL Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income9445414160616275118167
Interest Income9344404160616275117166
Other Income 1000000001
Expenditure 82261716242922305681
Interest Expense 113612117112743
Operating Expenses 8024138111210152432
Provisions 0001165456
Exceptional Items 0000000000
Profit Before Tax 12182426363239456286
Taxes 457811912111622
Profit After Tax 8131618252228334663
Adjusted EPS (₹)5.79.311.710.213.612.315.016.522.628.2
Dividend Payout Ratio (%)0%0%3%5%5%5%7%15%11%9%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital8598114182215233259320361475
Share Capital 5556666202022
Reserves 8194110176209226253300341452
Minority Interest0000000000
Long Term Borrowings00037363944186376488
Current Liabilities 5123467895943243921
Trade Payables0000000000
Short term borrowings293151625537183114
Other Liabilities-2-9-31-50-62-55-37-16-30-14
Total Liabilities 90110149288339331347531778984

Assets

Non Current Asset 41111724054689
Loan Asset 0000000000
Other Non Current Asset 41111724054689
Current Asset 8610914717099327343525770976
Current Investment5000000000
Other Current Asset8110914717099327343525770976
Total Assets 90110149288339331347531778984

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -3-19-13-10953322-158-167-127
Cash Flow From Investing Activity 7124-1-100-3-2-2
Cash Flow From Financing Activity -36181023-27-17157196143
Net Cash Flow 0-19-8755-52714
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)17283531413745172328
DPS (₹)0012223333
BVPS (₹)182210244307347380422158178211

Performance Ratios

ROA (%)9.213.012.78.38.06.78.17.67.07.2
ROE (%)9.814.215.512.212.710.111.211.613.415.2
ROCE (%)15.920.421.415.015.412.813.912.813.714.7

Valuation Parameters

Price/Book(x)0.30.31.11.90.90.40.61.11.12.3

CSL Finance Ltd Stock News

CSL Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of CSL Finance on 11-Oct-2024 16:01 is ₹413.4.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Oct-2024 16:01 the market cap of CSL Finance stood at ₹938.0.
The latest P/E ratio of CSL Finance as of 11-Oct-2024 16:01 is 13.67.
The latest P/B ratio of CSL Finance as of 11-Oct-2024 16:01 is 1.90.
The 52-week high of CSL Finance is ₹545.0 and the 52-week low is ₹310.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of CSL Finance is ₹179.4 ( Cr.) .

About CSL Finance Ltd

Consolidated Securities was incorporated as a limited company on December 1992. The company started its functions purely as a finance company in Delhi after obtaining the certificate of commencement of business on February 2, 1993. The company got its SEBI registration certificate valid from June 1, 1994 and started as a category III merchant banker.

The company is professionally managed and has achieved its objectives systematically. It concentrates mainly on fulfillment of the needs of business houses by providing them with an expertise in fund raising.

The registered office of the company is located at 8/19 3rd Floor, W E A Pusa Lanew E A Pusa Lane ,Karol Bagh New Delhi,Delhi-110005.

Business area of the company

The company’s activities mainly includes corporate advisory services including project counseling, loan syndication etc.

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